Carrier: Transamerica
Product: Trendsetter Super / Trendsetter LB
Product Type: Fully Underwritten Term Life Insurance
Plan Tiers: Trendsetter Super (basic term), Trendsetter LB (includes Living Benefits)
Issue Ages: 18–80 (varies by term length and product)
Face Amounts: $25,000–$10,000,000+
Target Market: Clients seeking high face amount term coverage, with or without built-in living benefits
Underwriting Notes: Fully underwritten. Based on application, medical exam (in most cases), MIB, Rx, motor vehicle report, and financial justification.
Product Overview
Trendsetter Super: Affordable level term life insurance offering coverage from 10 to 30 years (in 5-year increments). Provides death benefit protection with the option to convert to permanent coverage later. Does not include living benefits.
Trendsetter LB: Includes built-in living benefits for Chronic, Critical, and Terminal Illness (via Accelerated Death Benefit riders). Slightly higher premiums than Super but offers more flexible protection.
Term Lengths
- 10, 15, 20, 25, or 30-year level term durations
- Coverage may continue after level term as annually renewable term up to age 95
Face Amounts
Trendsetter Super:
- Minimum: $25,000 (ages 18–65); $50,000 (ages 66–80)
- Maximum: $10,000,000+ (depends on underwriting)
Trendsetter LB:
- Minimum: $25,000
- Maximum: $2,000,000 (subject to accelerated benefit limits)
Issue Ages
| Term Period | Super | LB |
|---|---|---|
| 10-Year | 18–80 | 18–75 |
| 15-Year | 18–70 | 18–70 |
| 20-Year | 18–65 | 18–65 |
| 25-Year | 18–60 | 18–60 |
| 30-Year | 18–58 (Non-Nicotine) | 18–58 (Non-Nicotine) |
Underwriting & Issue Classes
- Preferred Plus NT, Preferred NT, Standard NT, Preferred Tobacco, Standard Tobacco
- Simplified and Accelerated Underwriting options available up to $2,000,000 (depending on age and risk class)
- Full underwriting for higher face amounts or flagged cases
Height & Weight Guidelines (Simplified)
| Height | Max Weight – Preferred Plus NT | Max Weight – Standard |
|---|---|---|
| 5'4" | 173 | 202 |
| 5'6" | 186 | 217 |
| 5'8" | 198 | 231 |
| 5'10" | 211 | 246 |
| 6'0" | 224 | 261 |
| 6'2" | 237 | 276 |
| 6'4" | 250 | 291 |
Built-In Living Benefits (Trendsetter LB Only)
Accelerated Death Benefits: Automatically included with LB plan at no additional premium.
- Chronic Illness: Cannot perform 2 of 6 ADLs or requires substantial supervision for cognitive impairment
- Critical Illness: Includes conditions such as heart attack, stroke, cancer, organ transplant, ALS, and more
- Terminal Illness: Life expectancy of 12 months or less (24 in some states)
Benefit Amount: Up to 90% of the death benefit (varies by state and product)
Administrative Fee: May apply at time of acceleration
Optional Riders (Availability Varies by State & Product)
- Waiver of Premium Rider
- Children's Term Insurance Rider (covers children up to age 25)
- Accidental Death Benefit Rider
- Income Protection Option (IPO)
Conversion Options
- Convertible to Transamerica permanent life insurance plans without evidence of insurability
- Available during the earlier of end of level term period or insured’s age 70
eApplication & Submission Guidelines
- Submit via Transamerica’s Agent Portal or iGO eApp platform
- Signature via email or SMS available
- Application decision may be instant (accelerated underwriting) or referred for additional review
Agent Notes & Guidance
- Use Trendsetter LB when clients are concerned about illness, not just death — living benefits offer peace of mind.
- Use Trendsetter Super when lowest premium is the priority and the client does not need living benefit access.
- Always review underwriting class guidelines and build charts before quoting preferred rates.
- Confirm client’s eligibility for accelerated underwriting to avoid delays.
Support Contact: For pre-sale or underwriting questions, contact Transamerica Sales Desk or your upline manager.
